Resource quota allocation method and device and electronic equipment

Abstract

The invention relates to a resource quota allocation method and device, electronic equipment and a computer readable medium. The method comprises the following steps: acquiring basic information of a current user; comparing the basic information of the current user with basic information of a plurality of seed users to determine a target seed user; generating a neighbor user set based on the target seed user; determining the confidence of the neighbor user set based on the basic information of all users in the neighbor user set; and when the confidence meets a preset strategy, allocating a resource quota to the user according to the neighbor user set. According to the resource quota allocation method and device, the electronic equipment and the computer readable medium, the appropriate resource quota can be quickly and accurately allocated to the user, so the use requirement of the user is met, and the resource security of a company providing resources is also guaranteed.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a resource quota allocation method, device, electronic equipment and computer readable medium. Background technique [0002] With the development of the economy, the Internet financial service industry is facing new challenges. Both the scenario installment business and the non-scenario cash loan business have experienced significant growth. In the case of a poor economic situation, the solvency of users in the Internet financial service industry will also be greatly reduced, and Internet financial service companies will face greater difficulties in resource recovery and post-loan management. When allocating resource quotas for users, it is necessary to evaluate a user's resource return ability from multiple aspects, so as to allocate the most appropriate resource quota for the user. The appropriate resource quota and the resource return that the user can...

AI Technical Summary

Problems solved by technology

In the existing technology, historical users are modeled and simulated as a whole. However, in actual situations, users themselves have individual characteristics, and the characteristics of historical users do not obey an overall population distribution, but have several sub-customer groups. If a model and a group of historical users are used to comprehensively represent the risk characteristics of all types of users, it will be biased. The results obtained in this way can only be applied to occasions where the distribution of users is relatively uniform. For the field of Internet finance, users The quality is uneven and the distribution is uneven. Through the unified model calculation method in the existing technology, it is difficult to finely distinguish various users with large differences in actual scenarios.

If users in actual scenarios cannot be accurately and meticulously distinguished, it will be impossible to quickly and accurately provide users with the most appropriate resource quota, which in turn will affect the overall resource utilization efficiency of the entire financial service company

Images